Well I'm trying to get my credit back to good. As a young adult I messed it up being irresponsible. Yes they have fees and such but it's unsecured and I'm not getting it because I need money I'm getting because I want good credit. Well they started me at 300 and now I have 1,000 limit. Never miss a payment and only use it to show responsibility. I think it's great they gave me a chance. A year later and my credit is awesome just got a new work van from a dealership never thought that would happen again. Final thought. Use this company to rebuild your credit not to get money and you'll be happy.